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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $43,207 | $54,380-20.5% | $68,509-36.9% | $59,633-27.5% |
| Participation rate | 61.9% | 70.2%-8.3pp | 74.7%-12.8pp | 68.7%-6.8pp |
| Annual return | -4.15% | 2.83%-7.0pp | 8.27%-12.4pp | 2041.40%-2045.6pp |
| Employer contribution / active EE | $1,155 | $1,539-24.9% | $2,278-49.3% | $2,203-47.6% |
| Participant deferral / active EE | $2,178 | $2,643-17.6% | $3,382-35.6% | $3,192-31.8% |
| Admin fee / account holder | $1,206 | $3,885-69.0% | $5,275-77.1% | $4,297-71.9% |